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Create SWIFT payment

Use case

In this scenario, we will initialise an outgoing SWIFT (cross border) payment to a counterparty account with an IBAN and some sample data - ACC2SWIFT payment type.

Use case data

API parameters with values

Our party details gives the information about the sender of the payment. In this example, the payment is initialised from the Tuum account ID-1887.

Counterparty details.

Payment amount.

Payment details.

The payment also includes additional transferable data, such as chargeBearer and endToEndId. Note: the chargeBearer and endToEndId parameters are optional.

Sample API call

To initialise the payment, use the following endpoint:

Sample request

The sample request body is as follows:

{
    "paymentParties": [
        {
            "typeCode": "OUR_PARTY",
            "accountId": "ID-21508"
        },
        {
            "typeCode": "COUNTERPARTY",
            "name": "Ben Eficiary",
            "accountNumber": {
                "value": "EE871275295834652820",
                "type": "IBAN"
            },
            "financialInstitutionId": "PARXEE22XXX",
            "address": {
                "street1": "First street 123",
                "street2": "Second street 321",
                "cityCounty": "Some city",
                "zip": "06777",
                "countryCode": "EE"
            }
        }
    ],
    "money": {
        "amount": 1,
        "currencyCode": "DKK"
    },
    "details": "Test payment",
    "endToEndId": "20240103-E000003",
    "chargeBearer": "DEBT"
}

curl --location 'https://payment-api.sandbox.tuumplatform.com/api/v3/payments/initialise' \
--header 'x-channel-code: SYSTEM' \
--header 'x-auth-token: eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJuYW1lIjoiSm9obiBPZmZpY2VyIiwiZW1wbG95ZWVJZCI6IjEiLCJ0ZW5hbnRDb2RlIjoiTUIiLCJleHBpcnlEVGltZSI6IjIwMjQtMTItMDZUMTM6Mjc6MzUiLCJleHAiOjE3MzM0OTE2NTUsInJvbGVzIjpbIkFETUlOIiwiUE9TVElOR1NfVEVBTSJdfQ.r4Efnh8m_waGXaTRBQDLhLDb2M6no_SRJpZCGPoO6K8' \
--header 'Content-Type: application/json' \
--data '{
    "paymentParties": [
        {
            "typeCode": "OUR_PARTY",
            "accountId": "ID-21508"
        },
        {
            "typeCode": "COUNTERPARTY",
            "name": "Ben Eficiary",
            "accountNumber": {
                "value": "EE871275295834652820",
                "type": "IBAN"
            },
            "financialInstitutionId": "PARXEE22XXX",
            "address": {
                "street1": "First street 123",
                "street2": "Second street 321",
                "cityCounty": "Some city",
                "zip": "06777",
                "countryCode": "EE"
            }
        }
    ],
    "money": {
        "amount": 1,
        "currencyCode": "DKK"
    },
    "details": "Test payment",
    "endToEndId": "20240103-E000003",
    "chargeBearer": "DEBT"
}'

Sample response

Below you will find the response to the sample request:

Response

{
    "errors": null,
    "validationErrors": null,
    "data": {
        "paymentId": "PAYM-21846",
        "accountId": "ID-21508",
        "directionCode": "OUT",
        "statusCode": "INSERTED",
        "errorCode": null,
        "money": {
            "amount": 1.00,
            "currencyCode": "DKK"
        },
        "details": "Test payment",
        "referenceNumber": null,
        "source": null,
        "contractSource": null,
        "endToEndId": "20240103-E000003",
        "valueDate": "2029-12-02",
        "postingDate": "2029-12-02",
        "insertedDateTime": "2024-12-06T12:41:45.629822Z",
        "paymentServiceProviderCode": "SWIFT",
        "paymentTypeCode": "ACC2SWIFT",
        "preferredPaymentScheme": null,
        "selectedPaymentScheme": null,
        "chargeBearer": "DEBT",
        "settlementStatusCode": null,
        "settlementErrorCode": null,
        "settlementDate": null,
        "settlementPaymentScheme": null,
        "returnStatusCode": null,
        "returnReason": null,
        "returnComment": null,
        "returnSettlementDate": null,
        "cancellationRequestStatusCode": null,
        "cancelRefuseReason": null,
        "cancelReason": null,
        "amlDeclineReason": null,
        "amlMonitoringEnabled": null,
        "lastStatusRequestDate": null,
        "residencyCountryCode": "EE",
        "counterpartyOriginalIban": null,
        "fxPaymentFlag": false,
        "fxPayment": null,
        "paymentParties": [
            {
                "paymentPartyId": "PAYM-57584",
                "typeCode": "COUNTERPARTY",
                "name": "Ben Eficiary",
                "personTypeCode": null,
                "givenName": null,
                "surname": null,
                "accountNumber": {
                    "value": "EE871275295834652820",
                    "type": "IBAN"
                },
                "accountNumberSubtype": null,
                "accountNumberCountryCode": "EE",
                "financialInstitutionId": {
                    "value": "PARXEE22XXX",
                    "type": "BIC"
                },
                "address": {
                    "street1": "First street 123",
                    "street2": "Second street 321",
                    "cityCounty": "Some city",
                    "stateRegion": null,
                    "zip": "06777",
                    "countryCode": "EE",
                    "addressLine": "First street 123, Second street 321, Some city, EE, 06777",
                    "addressTypeCode": null
                },
                "roleCode": "BENEFICIARY",
                "partyIdentification": null
            },
            {
                "paymentPartyId": "PAYM-57585",
                "typeCode": "OUR_PARTY",
                "name": "Test Payer",
                "personTypeCode": "P",
                "givenName": null,
                "surname": null,
                "accountNumber": {
                    "value": "XX46XXXX99999000000000000111011",
                    "type": "IBAN"
                },
                "accountNumberSubtype": null,
                "accountNumberCountryCode": "XX",
                "financialInstitutionId": {
                    "value": "ICECLOUDXXX",
                    "type": "BIC"
                },
                "address": {
                    "street1": "Tartu mnt 32-25",
                    "street2": null,
                    "cityCounty": "Harjumaa",
                    "stateRegion": "Tallinn",
                    "zip": "10115",
                    "countryCode": "EE",
                    "addressLine": "Tartu mnt 32-25, Harjumaa, EE, 10115",
                    "addressTypeCode": null
                },
                "roleCode": "PAYER",
                "partyIdentification": {
                    "identificationTypeCode": "NATIONAL_IDENTIFICATION_NUMBER",
                    "identificationValue": "314-494-5904"
                }
            }
        ],
        "fees": [],
        "paymentSchemeElements": [],
        "fileImportLineNumber": null,
        "purposeCode": null,
        "labels": [
            "COUNTERPARTY_EE"
        ]
    }
}

Result

The draft payment has been created with a paymentId: PAYM-21846 and the statusCode: INSERTED.

Possible next steps

After creating a draft payment, you have the following options: